help with two basic probability problems.

Problem 1:

There are 12 balls in an urn, 4 of which are white and 8 black. Three blndfold players, A, B, C draw a ball in turn, first A, thn B, then C. The winner is the one who first draws a white ball. Assuming that each (black) ball isreplaced after being drawn, find the ratio of the chances of the three players.

Problem 2:

There are 40 cards, 10 of each suit. A wagers B that he will draw four cards ad get one of each suit. What are the fair amount of wagers of each?

For problem 2, I know the answer (from the back of the book) is A:1000 vs. B:8139. which implies that the probability P = 1000/(1000+8139)=1000/9139. Also the number of combiantions of 4 cards out of 40 is

40 C 4 = 91390. Then the question that remains is how do i find (out of these 91390 different combinations) that there are 10^4=10000 combiantions that contain each card of a different suit?